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Hey,

I was wondering if I bid on a guild house does it freeze/take away money from guild bank or my personal account?

Thanks

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From the Tibia Manual: 

Access to Guildhalls
Guildhalls are houses that are specifically designed to be used by guilds. Only a guild leader can rent one and invite guild members or other characters to the guildhall. This way, even free account players can get a home for their characters! Also guild leaders can make areas within the guildhall inaccessible to certain characters by giving door rights only to specific characters.
Further, all guildhalls are equipped with a depot locker. All people invited to the guildhall can access their depot chest, inbox and the Market from this depot locker.
Note: If the guild leader decides to place a bid for a guildhall, the system will check if there is a sufficient amount of money on the guild bank account. If the money on the guild bank account is not sufficient, the bid system will take the money from the guild leader's bank account.

 https://www.tibia.com/gameguides/?subtopic=manual&section=guilds

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